Myth 1: The longer the loan term, the higher the interest rate. Just "afraid of the house"
Industry: Don't worry! No one will "hold" a suite for 30 years.
Case: Buying a house has always been a big headache for many people who just need it. The reason is nothing more than high unit price and high total price. They can't afford a suite, which is an astronomical figure. So many people choose loans to buy a house. After the down payment of 30%, the rest of the money will be paid in installments through bank loans, and the pressure of buying a house will suddenly be reduced. However, when Xiao Liu decided to borrow 600,000 yuan to buy a house, the bank directly included him.
According to Xiao Liu's loan situation, he just bought a house with a loan of 600,000 yuan from the bank, with a loan period of 30 years. According to the current mortgage interest calculation, Xiao Liu only needs to repay the mortgage 3 184 yuan every month, but the total mortgage for 30 years is nearly1150,000 yuan, which is almost equal to Xiao Liu's total house payment! Moreover, the 30-year mortgage term means that Xiao Liu has to work for the bank for 30 years. Once the interest rate is raised in the middle, the monthly repayment will increase, which makes Xiao Liu flinch in front of the house.
Industry suggestion: "fear before lending" is a common problem that many people just need. After seeing the monthly repayment amount, I look at the total principal and interest for 30 years and feel that I have been "stuck" in my life. However, the most pressing problem is that almost no one will hold a house for 30 years. In other words, within 5- 10 years after the appreciation of the property itself, most people will choose to change houses. At that time, the appreciation value of the property itself has far exceeded the value at the time of purchase, and some even doubled. However, after 5- 10 years, bank interest is often "minimal", and some banks may charge some liquidated damages, but for the huge housing sales at that time,
Myth 2: Don't borrow if you can pay in full, and don't borrow from the bank if you can borrow from relatives and friends.
Industry: Inflation and economic pressure should be fully considered.
Case: A suite of millions is more unbearable. Although it sounds awkward, it is true. Nowadays, buying a house after 80 s and 90 s is often the trouble of two generations. Looking at the total price of the house and thinking about the poor salary of the children, parents who are distressed by their children often have to take out their life savings in order to "pay in one lump sum" to minimize the pressure on their children's lives.
Such examples are not uncommon in Qingdao property market. Some parents will borrow from relatives and friends if they have insufficient savings. Even if it is not enough, we should make every effort to make up the down payment and minimize the loan pressure. When Xiao Wang bought a new house in Shibei District four years ago, he bought it in full, so he almost spent all his savings at home. But Xiao Wang's parents insist that it is best to let Xiao Wang buy a house without any pressure and worries.
Industry suggestion: If you are poor, you will change your mind. In order to make your children have no great pressure to survive, many families will choose the full amount when buying a house for their children, because in the eyes of the older generation, it is too bad to borrow money with interest and have to work in a bank every month. "Among the buyers I took over, many parents insisted that it is good to buy a house in full, even without considering family pressure. Others would rather borrow relatives and friends than banks. These are misunderstandings. " A senior real estate agent told reporters that we believe that we should consider our own conditions reasonably when buying a house. If you can't afford a huge amount of money to buy a house, you can consider a loan appropriately. Inflation, interest rate cuts and RRR cuts experienced in recent years are the best examples. Sometimes, the loan will be much easier than the pressure of "buying a house in full".
Myth 3: Choose an old house downtown to commute.
Industry: Choosing an old house for the first suite will affect the appreciation space, and it will be difficult to sell in the future.
Case: The opening of the subway has inspired a group of families who just need it. The original fatal commuting distance is no longer a problem with the opening of the entire subway line 3. However, for more people who just need it, living in the center of the main city is still their dream. However, due to the high housing prices, they have to settle for the second best, choosing those old houses with no property and elevators, just because the housing prices are cheap enough.
"I am optimistic about an 85-year-old house in Shinan. Close to the unit, the price is less than half of the unit price of the new house in the south of the city. After calculating the mortgage, I feel little pressure. " Xiao Lin works in Hong Kong Middle Road. Accustomed to the living facilities in Shinan District, he admitted that he didn't want to buy a house in Licang, and the house price in Shinan District was too high. If he wants to find a place to rest, he must "sacrifice" "Most of the houses at this price are quite old, and there is no property at all, but the good ones are too expensive, and I can't afford them at present." Xiaolin said.
Suggestions from the industry (the above answers were published on 20 17-02-27, and the relevant housing purchase policies are subject to the actual situation).
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